{"decision_id": "DEC-banking-2026-04-25-1", "date": "2026-04-25", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "defer", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-25-2", "date": "2026-04-25", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-25-3", "date": "2026-04-25", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "approve", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-25-4", "date": "2026-04-25", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "escalate", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-25-5", "date": "2026-04-25", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-26-1", "date": "2026-04-26", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "approve", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-26-2", "date": "2026-04-26", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "defer", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-26-3", "date": "2026-04-26", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "escalate", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-26-4", "date": "2026-04-26", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-26-5", "date": "2026-04-26", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-27-1", "date": "2026-04-27", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-27-2", "date": "2026-04-27", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "defer", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-27-3", "date": "2026-04-27", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "approve", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-27-4", "date": "2026-04-27", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "escalate", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-27-5", "date": "2026-04-27", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-28-1", "date": "2026-04-28", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-28-2", "date": "2026-04-28", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-28-3", "date": "2026-04-28", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-28-4", "date": "2026-04-28", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "escalate", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-28-5", "date": "2026-04-28", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-29-1", "date": "2026-04-29", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "defer", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-29-2", "date": "2026-04-29", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-29-3", "date": "2026-04-29", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-29-4", "date": "2026-04-29", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "approve", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-29-5", "date": "2026-04-29", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-30-1", "date": "2026-04-30", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-30-2", "date": "2026-04-30", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "defer", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-30-3", "date": "2026-04-30", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "approve", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-30-4", "date": "2026-04-30", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-04-30-5", "date": "2026-04-30", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-01-1", "date": "2026-05-01", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "defer", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-01-2", "date": "2026-05-01", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-01-3", "date": "2026-05-01", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-01-4", "date": "2026-05-01", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-01-5", "date": "2026-05-01", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-02-1", "date": "2026-05-02", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-02-2", "date": "2026-05-02", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-02-3", "date": "2026-05-02", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-02-4", "date": "2026-05-02", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-02-5", "date": "2026-05-02", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-03-1", "date": "2026-05-03", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "defer", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-03-2", "date": "2026-05-03", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "approve", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-03-3", "date": "2026-05-03", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "escalate", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-03-4", "date": "2026-05-03", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-03-5", "date": "2026-05-03", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-04-1", "date": "2026-05-04", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-04-2", "date": "2026-05-04", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "approve", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-04-3", "date": "2026-05-04", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-04-4", "date": "2026-05-04", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "escalate", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-04-5", "date": "2026-05-04", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-05-1", "date": "2026-05-05", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-05-2", "date": "2026-05-05", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "approve", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-05-3", "date": "2026-05-05", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "approve", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-05-4", "date": "2026-05-05", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-05-5", "date": "2026-05-05", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-06-1", "date": "2026-05-06", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "defer", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-06-2", "date": "2026-05-06", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-06-3", "date": "2026-05-06", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "approve", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-06-4", "date": "2026-05-06", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "escalate", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-06-5", "date": "2026-05-06", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-07-1", "date": "2026-05-07", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "approve", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-07-2", "date": "2026-05-07", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "defer", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-07-3", "date": "2026-05-07", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "escalate", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-07-4", "date": "2026-05-07", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "approve", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-07-5", "date": "2026-05-07", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-08-1", "date": "2026-05-08", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-08-2", "date": "2026-05-08", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "defer", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-08-3", "date": "2026-05-08", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "escalate", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-08-4", "date": "2026-05-08", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "approve", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-08-5", "date": "2026-05-08", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-09-1", "date": "2026-05-09", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "defer", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-09-2", "date": "2026-05-09", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-09-3", "date": "2026-05-09", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-09-4", "date": "2026-05-09", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-09-5", "date": "2026-05-09", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-10-1", "date": "2026-05-10", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-10-2", "date": "2026-05-10", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "approve", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-10-3", "date": "2026-05-10", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "approve", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-10-4", "date": "2026-05-10", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "approve", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-10-5", "date": "2026-05-10", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-11-1", "date": "2026-05-11", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "approve", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-11-2", "date": "2026-05-11", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "defer", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-11-3", "date": "2026-05-11", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "approve", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-11-4", "date": "2026-05-11", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-11-5", "date": "2026-05-11", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-12-1", "date": "2026-05-12", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-12-2", "date": "2026-05-12", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "approve", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-12-3", "date": "2026-05-12", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-12-4", "date": "2026-05-12", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "approve", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-12-5", "date": "2026-05-12", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-13-1", "date": "2026-05-13", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "approve", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-13-2", "date": "2026-05-13", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-13-3", "date": "2026-05-13", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-13-4", "date": "2026-05-13", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-13-5", "date": "2026-05-13", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-14-1", "date": "2026-05-14", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "defer", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-14-2", "date": "2026-05-14", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "defer", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-14-3", "date": "2026-05-14", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "escalate", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-14-4", "date": "2026-05-14", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-14-5", "date": "2026-05-14", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-15-1", "date": "2026-05-15", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "defer", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-15-2", "date": "2026-05-15", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-15-3", "date": "2026-05-15", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-15-4", "date": "2026-05-15", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "approve", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-15-5", "date": "2026-05-15", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-16-1", "date": "2026-05-16", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-16-2", "date": "2026-05-16", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-16-3", "date": "2026-05-16", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-16-4", "date": "2026-05-16", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "escalate", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-16-5", "date": "2026-05-16", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-17-1", "date": "2026-05-17", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-17-2", "date": "2026-05-17", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-17-3", "date": "2026-05-17", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-17-4", "date": "2026-05-17", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "approve", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-17-5", "date": "2026-05-17", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-18-1", "date": "2026-05-18", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "defer", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-18-2", "date": "2026-05-18", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-18-3", "date": "2026-05-18", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "approve", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-18-4", "date": "2026-05-18", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "approve", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-18-5", "date": "2026-05-18", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-19-1", "date": "2026-05-19", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-19-2", "date": "2026-05-19", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "defer", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-19-3", "date": "2026-05-19", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "approve", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-19-4", "date": "2026-05-19", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "escalate", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-19-5", "date": "2026-05-19", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-20-1", "date": "2026-05-20", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "approve", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-20-2", "date": "2026-05-20", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "defer", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-20-3", "date": "2026-05-20", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "defer", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-20-4", "date": "2026-05-20", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "escalate", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-20-5", "date": "2026-05-20", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-21-1", "date": "2026-05-21", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["RPPA", "LTRA"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "defer", "why": "Auto-generated from RPPA, LTRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-21-2", "date": "2026-05-21", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["BPPA", "BWOA"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "approve", "why": "Auto-generated from BPPA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-21-3", "date": "2026-05-21", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["OPRA"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "escalate", "why": "Auto-generated from OPRA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-21-4", "date": "2026-05-21", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["LTRA", "BWOA"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Auto-generated from LTRA, BWOA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-21-5", "date": "2026-05-21", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["BWOA", "BPPA"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Auto-generated from BWOA, BPPA agents based on the prior 24-hour signal window."}
{"decision_id": "DEC-banking-2026-05-22-1", "date": "2026-05-22", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["Pricing Agent", "Treasury Agent"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Maybank moved 5Y FD to 4.20% on 21-May (15bps gap to us); BNM MPC minutes due today 17:00. Early-signal stage — Pricing wants to wait for minutes, Treasury wants stress run before any move.", "justifications": [{"agent": "Pricing Agent", "headline": "Maybank's 15bps move yesterday is the first signal — wait for MPC minutes at 17:00 before repricing", "commentary": "Maybank moved 5Y FD from 4.05% to 4.20% on 21-May, opening a 15bps gap. Historically (since 2022), Maybank moves first and CIMB follows within 2-4 days in 7 of 9 prior episodes. Our 14-day net flow remains positive (+RM 38M) so churn risk is low for another 48-72h. Recommend hold-and-watch until BNM MPC minutes release at 17:00.", "evidence": ["Maybank 5Y board 4.20% effective 21-May 14:00; our board 4.05%", "Historic competitor follow-on lag (2022-2025): CIMB follows Maybank 5Y move in 2.4 days median (7 of 9 episodes)", "14-day net 5Y flow: +RM 38M (still positive but trend deceleration -RM 4.5M/day)", "BNM MPC minutes scheduled release: 22-May 17:00 — drives 18bp avg market reaction on hawkish signal", "Repricing latency cost (model): RM 0.4M/day at current gap, accelerates to RM 0.7M/day if gap widens > 18bps"], "actions": ["Hold 5Y board at 4.05% pending MPC minutes; pre-stage reprice memo for Wed if minutes are hawkish", "Increase competitor scrape from 6-hourly to 2-hourly through Thu", "Brief CEO chief-of-staff at 16:00 ahead of MPC release"], "risk": "If MPC minutes are dovish (estimated 25% probability), holding is correct and we avoid a costly retraction. If hawkish (75%), we lose 24-36h of repricing window but our retention model says churn is bounded at -RM 90M while gap stays < 18bps.", "confidence": 0.82, "signals": ["competitor-fd-scrape-d1", "bnm-mpc-calendar", "memory:maybank-first-mover-pattern", "retention-model-v3.2", "ois-strip-2026-05-22"]}, {"agent": "Treasury Agent", "headline": "Run IRRBB stress before any reprice — SOT already at 14.2% of T1", "commentary": "IRRBB SOT sitting at 14.2% of T1 against the 15% Basel limit means any 5Y inflow surge needs to be modelled before we commit to a board change. EVE sensitivity at +25bps is -RM 218M today. Treasury wants a 200-path stress run completed before ALCO authorises any pricing move — that takes 36 hours from data cut.", "evidence": ["IRRBB SOT 14.2% T1; soft trigger 14.0% already breached on 19-May", "EVE at +25bps: -RM 218M; at +50bps: -RM 412M; both within Risk Appetite but trending up", "Banking book duration gap 1.4y (soft limit 1.2y)", "Last 200-path Monte Carlo was 14-May — pre-Maybank-move and pre-MPC-minutes", "Basel IRRBB CP: 30-day notification required if SOT breaches 15%"], "actions": ["Kick off 200-path Monte Carlo IRRBB stress run today 14:00 with post-MPC scenario branches", "Pre-stage RM 600M MGS sell-down ticket with Group Treasury as contingent hedge", "Block any pricing change request until stress run is signed off"], "risk": "If we reprice without the stress refresh, ALCO governance review (scheduled 28-May) could flag a control gap — minor finding but reportable to BNM in Pillar 2 self-assessment.", "confidence": 0.79, "signals": ["irrbb-eve-2026-05-21", "irrbb-sot-monitor", "basel-irrbb-cp", "memory:14-may-mc-baseline", "alco-governance-calendar"]}], "signal_trend": {"name": "Competitor 5Y FD board spread vs ours (bps)", "dates": ["2026-05-16", "2026-05-17", "2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22"], "values": [0, 2, 4, 6, 9, 15, 17], "threshold": 15, "annotation": "Maybank's 21-May move was the first breach of 15bps trigger in 6 months."}}
{"decision_id": "DEC-banking-2026-05-22-2", "date": "2026-05-22", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["Network Agent", "Branch Agent"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Quarterly branch portfolio review flagged the Klang Valley 4-branch cluster again at 28% trailing utilisation. Network wants to act before lease renewal cycle; Branch flags HR/union prep not started.", "justifications": [{"agent": "Network Agent", "headline": "4th consecutive quarterly review flagging the cluster — lease renewals on 2 sites due Q3", "commentary": "This is the 4th quarterly review (since Q3-2025) where the Bangsar/Damansara Uptown/Mont Kiara/TTDI cluster has been flagged. Two of the four leases come up for renewal in Q3-2026 (Bangsar 15-Sep, Mont Kiara 28-Aug) with landlord-proposed rent increases of 8-12%. Network strategy view: this is the natural decision window; missing it means another 5-year lock-in on under-utilised footprint.", "evidence": ["Quarterly portfolio review log: Q3-2025, Q4-2025, Q1-2026, Q2-2026 — same cluster flagged all 4 cycles", "Lease renewal: Bangsar expires 15-Sep-2026 (+12% rent ask), Mont Kiara expires 28-Aug-2026 (+8% rent ask)", "Trailing 90-day utilisation: 28% (network median 71%)", "1 Utama flagship site under exclusivity option until 28-May (Sunway REIT)", "FSA s.39 90-day notice — would need to file by 31-May to meet Bangsar lease end"], "actions": ["Commission updated flagship business case with Q2-2026 numbers (currently using Q1)", "Begin BNM informal pre-consultation (BNM Branch Network Unit) this week", "Request lease landlord exclusivity extension to 14-Jun"], "risk": "If we miss this window, next opportunity is Q3-2027 when remaining 2 leases come due — 12 months of carrying RM 14.6M of foregone savings = ~RM 14.6M opportunity cost.", "confidence": 0.81, "signals": ["portfolio-review-q2-2026", "lease-calendar-2026-h2", "branch-utilisation-90d", "memory:2024-jb-consolidation", "bnm-branch-network-unit"]}, {"agent": "Branch Agent", "headline": "HR/NUBE prep not started — 14-day IRA consultation clock means action needed this week", "commentary": "If Network gets ALCO approval next week, the Industrial Relations Act 2024 14-day consultation clock means NUBE must be engaged by 26-May to keep the timeline whole. HR has not begun roster impact analysis or staff communication prep. Branch wants to escalate so HR commits resources before Network commits to a date.", "evidence": ["IRA 2024 amendment: 14-day notice of redeployment terms required before closure announcement", "HR resource constraint: 2 HRBPs on leave through 29-May; remaining 1 HRBP supports SME segment", "Staff headcount inventory not yet finalised (4 branches × ~9-10 staff each, headcount drift since Q1)", "Sunway Pyramid + Subang Jaya open req status to be confirmed", "NUBE has not been informally pre-briefed on this specific cluster"], "actions": ["Lock HRBP capacity (request 1 additional HRBP backfill from group HR) by Mon", "Complete staff headcount inventory across 4 branches by Tue", "Schedule NUBE informal pre-brief for 25-May (post-ALCO decision)"], "risk": "If HRBP capacity not secured, NUBE engagement slips and the IRA 14-day window pushes closure announcement into June — risking overlap with the BNM Pillar 2 supervisory review starting 8-June.", "confidence": 0.78, "signals": ["hr-roster-2026-05", "ira-2024-amendment", "nube-engagement-log", "memory:2024-jb-consolidation-vss", "bnm-pillar2-calendar"]}], "signal_trend": {"name": "4-branch cluster utilisation (% vs network median)", "dates": ["2026-05-16", "2026-05-17", "2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22"], "values": [33, 32, 31, 29, 30, 28, 27], "threshold": 50, "annotation": "Cluster utilisation drifting lower; 4th consecutive quarterly review flag."}}
{"decision_id": "DEC-banking-2026-05-22-3", "date": "2026-05-22", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["Risk Agent"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "escalate", "why": "Trailing 14-day AML alerts on Johor→Vietnam corridor at 14 vs baseline 4. Pattern match score 0.76 (below 0.80 EDD trigger). Risk wants to escalate to FCC ops review before overlay rule commit.", "justifications": [{"agent": "Risk Agent", "headline": "Pattern match score at 0.76 — below EDD trigger but trend is one-way", "commentary": "Pattern match score sits at 0.76 against FATF TM-2024-07, climbing 0.05 over the past 4 days. AML alerts at 14 vs baseline 4 already justify FCC ops review; deploying overlay rules pre-emptively (i.e., before crossing 0.80) is allowed under our internal AML model governance policy but requires FCC head sign-off. Risk recommends escalation to FCC head and ALCO joint review before commit.", "evidence": ["Pattern match score: 0.76 (climbed 0.05 in 4 days)", "AML alerts trailing 14d: 14 (baseline 4 over 90d; z-score 4.2)", "FCC ops capacity: 84% load — additional 18% alert volume from overlay push utilisation to 99%", "Internal AML governance policy v2.3: pre-emptive overlay deployment requires FCC head + Risk head joint sign-off", "BNM AMLA s.16 EDD trigger: 0.80 pattern match (internal calibration)"], "actions": ["Escalate to FCC head + Risk head joint review meeting Mon 09:00", "Pre-stage overlay rule v4.1 in shadow mode for FCC team to inspect alert quality", "Maintain enhanced monitoring on 14 flagged accounts pending decision"], "risk": "If we escalate but don't commit by Wed, pattern match score is on track to cross 0.80 by 23-May, at which point EDD becomes mandatory and we lose the 'pre-emptive' framing — STR clock starts and we are reactive instead of proactive.", "confidence": 0.8, "signals": ["aml-alerts-14d", "fatf-tm-2024-07", "fcc-ops-capacity", "amla-s16-edd", "aml-governance-policy-v2.3"]}], "signal_trend": {"name": "Daily AML alerts — Johor→Vietnam SME corridor", "dates": ["2026-05-16", "2026-05-17", "2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22"], "values": [1, 1, 2, 2, 3, 3, 4], "threshold": 1, "annotation": "Alert volume drifting upward; pattern match score still below 0.80 EDD trigger."}}
{"decision_id": "DEC-banking-2026-05-22-4", "date": "2026-05-22", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["Treasury Agent", "Branch Agent"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Tadau Kaamatan still 8 days away; Treasury monitoring withdrawal pattern but no action needed until withdrawal volume crosses RM 5M daily trigger.", "justifications": [{"agent": "Treasury Agent", "headline": "Volume at 4.5x average but still below RM 5M trigger — monitor through weekend", "commentary": "Daily Sabah ATM withdrawal volume sits at RM 4.5M, 12% above network average but still below the RM 5M trigger that initiates the Tadau loading playbook. CIT booking lead time of 5 working days means we have until Tue 26-May to commit. Treasury's recommendation is to defer until the weekend withdrawal print on 24-May, which historically gives the cleanest read on whether the Tadau multiplier will track 3.5x or soften.", "evidence": ["Sabah ATM withdrawal volume: RM 4.5M/day (12% above network average)", "Loading playbook trigger: RM 5M/day sustained for 2 days", "G4S CIT booking lead: 5 working days → Tue 26-May deadline for Thu 28-May loading", "Weekend 24-May print historically predictive of Tadau multiplier (R^2 0.78 vs 2022-2025)", "BNM cash centre KK: last drawdown 19-May RM 22M, headroom RM 18M for additional draw"], "actions": ["Continue monitoring; trigger Tadau loading playbook if 5M crossed Sat or Sun", "Pre-engage G4S Sabah on tentative Thu 28-May booking slot", "No customer or branch communication required at this stage"], "risk": "Low risk at this stage — even if we miss the Tue deadline, contingent 3-day-lead booking option exists at RM 60k premium. Bigger risk is operational fatigue if we trigger the playbook every year on T-8 day without need.", "confidence": 0.86, "signals": ["atm-withdrawal-history-sabah", "loading-playbook-trigger", "g4s-cit-booking-portal", "memory:tadau-2025-loading", "bnm-cash-centre-kk"]}], "signal_trend": {"name": "Sabah ATM daily withdrawal volume (RM M)", "dates": ["2026-05-16", "2026-05-17", "2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22"], "values": [3.7, 3.9, 4.2, 4.5, 4.8, 5.1, 5.4], "threshold": 5, "annotation": "Volume on monotonic upward trend; trigger threshold not yet sustained."}}
{"decision_id": "DEC-banking-2026-05-22-5", "date": "2026-05-22", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["Branch Agent", "Network Agent"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "OCBC announced Penang SME expansion via Bursa filing on 19-May (target 25 RM hires by Q3). RM attrition risk model elevated; no confirmed resignations yet.", "justifications": [{"agent": "Branch Agent", "headline": "OCBC Bursa filing flagged Penang SME expansion — attrition model elevated, no resignations yet", "commentary": "OCBC's 19-May Bursa filing announced a Penang SME expansion targeting 25 RM hires by Q3. Our RM attrition risk model lifted from 48 to 61 over 3 days based on (a) competitor expansion signal, (b) CRM social-signal scrape showing 6 of our Penang SME RMs viewed OCBC career page in the last 7 days, and (c) 2024 HSBC analogue pattern. No confirmed resignations yet — recommend escalating to Head of SME for preemptive retention conversation pool.", "evidence": ["OCBC Bursa filing 19-May: Penang SME expansion, target 25 RM hires by Q3", "RM attrition risk model: 61 (3-day lift from 48; trigger 70)", "CRM social-signal scrape: 6 of 23 Penang SME RMs viewed OCBC career page in trailing 7 days", "2024 HSBC analogue: similar Bursa announcement preceded confirmed RM poach by 18 days", "Counter-offer pool available without HR Committee escalation: RM 600k (covers ~2 RMs at 1.4x base)"], "actions": ["Brief Head of SME Mon 09:00 — initiate informal retention conversations with top 6 Penang SME RMs", "Pre-stage counter-offer scenarios for top 3 RMs (Tan, Lim, Goh — highest portfolio + highest social-signal activity)", "Increase CRM social-signal scrape cadence from weekly to daily for Penang SME team"], "risk": "If retention conversations don't happen this week, we run the 2024 HSBC analogue: 18-day window to confirmed resignations. Cost of inaction estimated at RM 6-12M depending on portfolio defection severity.", "confidence": 0.8, "signals": ["ocbc-bursa-filing-2026-05-19", "rm-attrition-model-v2", "crm-social-signal-scrape", "memory:2024-hsbc-rm-poach", "counter-offer-pool-balance"]}, {"agent": "Network Agent", "headline": "Bring Batu Kawan satellite desk forward in roadmap — competitor signal makes the business case", "commentary": "OCBC's expansion announcement converts Batu Kawan from 'roadmap item' to 'defensive move'. Network strategy team has had the business case 80% complete since Q4-2025 (capex RM 0.8M, Y1 opex RM 0.6M, time-to-RM-50M-deposit 4-6 months). Bringing it forward now sends a market signal that we are doubling down on Penang SME, which has a calming effect on at-risk RMs. Recommend escalating to CEO at next ALCO.", "evidence": ["Batu Kawan satellite SME desk business case 80% complete (Q4-2025 work paused)", "Capex RM 0.8M; Y1 opex RM 0.6M; time-to-revenue 4-6 months", "Penang FTZ concentration: 100% of top-FTZ-SME accounts at Bayan Lepas branch", "OCBC Bursa filing 19-May: 25 RM hires by Q3 — implies aggressive market share play", "MIDA Batu Kawan industrial park MoU: signed 2024, refresh due Jun-2026"], "actions": ["Refresh Batu Kawan satellite SME desk business case with current numbers by Fri", "Pre-brief CEO chief-of-staff ahead of next ALCO (28-May)", "Engage MIDA on Batu Kawan MoU refresh timing"], "risk": "If Batu Kawan is delayed beyond Q3, OCBC builds first-mover momentum in the corridor — recovery in 2027 is possible but at higher cost (estimated RM 0.4-0.8M brand reset).", "confidence": 0.78, "signals": ["sme-book-concentration", "batu-kawan-tenant-pipeline", "ocbc-bursa-filing-2026-05-19", "memory:2024-hsbc-rm-poach", "mida-batu-kawan-mou"]}], "signal_trend": {"name": "Penang SME RM attrition risk score (model output 0-100)", "dates": ["2026-05-16", "2026-05-17", "2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22"], "values": [42, 40, 42, 48, 54, 61, 78], "threshold": 70, "annotation": "OCBC Bursa filing 19-May broke the score above trend; trigger threshold not yet breached but trajectory is steep."}}
{"decision_id": "DEC-banking-2026-05-23-1", "date": "2026-05-23", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["Pricing Agent", "Treasury Agent"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "escalate", "why": "Competitor moves accelerating (CIMB to 4.25% on 23-May) and BNM MPC minutes released yesterday lean hawkish. Pricing wants reprice now; Treasury flags duration impact needs ALCO sign-off before Wed.", "justifications": [{"agent": "Pricing Agent", "headline": "CIMB jumped to 4.25% this morning — our 20bps gap is now the widest in 6 months", "commentary": "CIMB 5Y board moved 4.05%→4.25% at 09:30 today, widening our gap to 20bps from 15bps yesterday. Trailing 14-day net flow on the 5Y bucket turned negative for the first time since Q3-2025 (-RM 184M). Retention model predicts a further -RM 320M outflow over the next 10 days if we hold, dominated by 8 large corporate treasury depositors in Penang and KL who shop boards weekly.", "evidence": ["CIMB 5Y board 4.25% effective today 09:30 (Maybank already at 4.20% since 21-May)", "Our 5Y net flow trailing 14 days: -RM 184M (vs +RM 92M average prior 90 days)", "8 corporate treasury accounts > RM 50M each flagged by RM CRM as 'rate-shopping' in last 5 days", "BNM MPC minutes 22-May: hawkish tone on core CPI; OIS prices +25bps at 88% probability", "Repricing latency cost model: every 24h delay = RM 0.7M foregone NIM on inflow lost to competitors"], "actions": ["Escalate to ALCO chair tonight; request emergency convening Tue 16:00 for Wed 08:00 board change", "Draft customer communication for top 380 5Y depositors (>RM 2M) ready for RM-led outbound", "Lock competitor scrape cadence to 2-hourly until post-MPC"], "risk": "Delay risk: every 24h costs ~RM 0.7M in foregone NIM and risks losing the 8 corporate treasury accounts (RM 620M combined) to Maybank/CIMB, which would be unrecoverable for 90 days under their typical lock-in terms.", "confidence": 0.85, "signals": ["competitor-fd-scrape-d2", "bnm-mpc-minutes-2026-05-22", "crm-rate-shopper-flags", "memory:2025-q3-cimb-poach", "retention-model-v3.2"]}, {"agent": "Treasury Agent", "headline": "Duration impact needs ALCO sign-off — IRRBB SOT already at 14.2% vs 15% limit", "commentary": "Pricing's proposed +20bps on 5Y will pull RM 1.9bn into the 5Y bucket and tighten EVE sensitivity, but IRRBB SOT is already at 14.2% of T1 (limit 15%). Net effect of the reprice is positive (SOT falls to ~13.0%), but the transition path during the 6-week pull-through window is non-monotonic — sims show a 9-day window where SOT could touch 14.7% if inflows are front-loaded.", "evidence": ["IRRBB SOT 14.2% T1; internal soft trigger 14.0% (already breached)", "EVE sensitivity at +25bps: -RM 218M; at +50bps: -RM 412M", "Transition sim: SOT peak 14.7% on Day 9 of pull-through (8% probability of touching 15%)", "LCR 138%, NSFR 116% — no liquidity constraint on the move", "Basel III IRRBB CP requires 30-day notice to BNM if SOT > 15% breached"], "actions": ["Run 200-path Monte Carlo on SOT transition tonight; circulate to ALCO Tue 14:00", "Pre-clear contingent MGS sell-down (RM 600M) with Group Treasury as SOT hedge", "Flag BNM ASD desk informally that an IRRBB profile change is imminent"], "risk": "8% probability the SOT touches 15% during pull-through — would force a 30-day BNM notification under IRRBB CP 2023 and could attract supervisory scrutiny in the upcoming Pillar 2 review.", "confidence": 0.8, "signals": ["irrbb-eve-2026-05-22", "irrbb-sot-monitor", "basel-irrbb-cp", "memory:2025-q1-irrbb-breach", "mc-200-path-sim"]}], "signal_trend": {"name": "Competitor 5Y FD board spread vs ours (bps)", "dates": ["2026-05-17", "2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22", "2026-05-23"], "values": [2, 4, 6, 9, 15, 17, 20], "threshold": 15, "annotation": "CIMB move this morning pushed spread to 20bps — second consecutive day above 15bps trigger."}}
{"decision_id": "DEC-banking-2026-05-23-2", "date": "2026-05-23", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["Network Agent", "Branch Agent"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "escalate", "why": "Cluster utilisation now 7th consecutive day below 30%, flagship lease offer expires 25-May. Network wants commit; Branch flags NUBE consultation needs to land first.", "justifications": [{"agent": "Network Agent", "headline": "1 Utama flagship lease offer expires Mon — losing this site delays consolidation 5-8 months", "commentary": "Landlord (Sunway REIT) lease offer for 1 Utama anchor unit expires Mon 25-May 17:00 at RM 188k/month with 5+5 term and 2-month fit-out grace. Comparable premium locations (Pavilion KL, IOI City) priced 14-22% higher with shorter grace periods. Cluster utilisation is now 27% on trailing 7 days — well below the 50% network trigger.", "evidence": ["1 Utama lease offer: RM 188k/month, 5+5, 2-month fit-out grace; expires 25-May 17:00", "Comparables: Pavilion KL RM 224k/month (+19%), IOI City RM 215k/month (+14%), Mid Valley RM 240k/month (+28%)", "Cluster utilisation 7-day trailing: 27% (network median 71%)", "FSA s.39 closure notice 90-day clock starts on filing — every week of delay pushes go-live by 1 week", "Customer overlap analysis stable: 62% transact at 2+ branches"], "actions": ["Request 48-hour extension on Sunway REIT offer pending ALCO Tue (escalation to MD level)", "Pre-stage FSA s.39 filing pack for immediate submission post-approval", "Loop in MIDA for Bumiputera workforce sign-off ahead of formal announcement"], "risk": "If lease expires unrenewed (estimated 30% probability without ALCO go-ahead), next-best site adds RM 0.5-1.1M annualised rent and 5-8 months delay — payback extends from 7 to ~10 months but still positive.", "confidence": 0.83, "signals": ["lease-offer-1utama-2026-05-23", "branch-utilisation-90d", "fsa-s39-branch-closure", "memory:2024-jb-consolidation", "comp-lease-market-q2"]}, {"agent": "Branch Agent", "headline": "NUBE consultation lands 27-May — need redeployment letters drafted by then or risk industrial action", "commentary": "NUBE pre-engagement on 21-May was constructive but formal consultation under Industrial Relations Act 2024 amendment requires 14-day notice of redeployment terms before any branch closure announcement. If we commit to closure on 24-May without redeployment letters drafted, the timeline collapses — NUBE has signalled it will treat this as a procedural breach and may file a trade dispute under IRA s.18.", "evidence": ["NUBE pre-engagement 21-May: constructive, subject to redeployment terms for non-VSS staff", "IRA 2024 amendment: 14-day notice of redeployment terms required before closure announcement", "Redeployment letter drafts currently 60% complete (24 of 38 staff)", "Sunway Pyramid + Subang Jaya open reqs confirmed open through end-June", "VSS terms benchmarked vs 2024 JB consolidation (6 months pay + accrued leave + retraining allowance)"], "actions": ["Complete remaining 14 redeployment letter drafts by Sun 24-May 18:00", "Confirm Sunway/Subang open req holds with HR business partner Mon morning", "Schedule NUBE formal consultation 27-May 10:00 — written agenda by Mon 09:00"], "risk": "20% probability NUBE files IRA s.18 trade dispute if letters not ready by 27-May — would freeze closure process for 60-90 days and risk media attention during the BNM Pillar 2 review window.", "confidence": 0.79, "signals": ["nube-consultation-minutes-2026-05-21", "ira-2024-amendment", "hr-roster-2026-05", "memory:2024-jb-consolidation-vss", "letter-drafting-tracker"]}], "signal_trend": {"name": "4-branch cluster utilisation (% vs network median)", "dates": ["2026-05-17", "2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22", "2026-05-23"], "values": [32, 31, 29, 30, 28, 27, 28], "threshold": 50, "annotation": "Sixth consecutive day below 30%; lease decision window closes Mon 25-May."}}
{"decision_id": "DEC-banking-2026-05-23-3", "date": "2026-05-23", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["Risk Agent"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "approve", "why": "Alert volume now 5x baseline on Johor→Vietnam corridor; pattern match score with FATF TM-2024-07 climbed from 0.71 to 0.82 over 5 days.", "justifications": [{"agent": "Risk Agent", "headline": "Pattern match score climbed to 0.82 — corridor flow now meets BNM AMLA 'reasonable suspicion' threshold", "commentary": "Pattern match to FATF TM-2024-07 (trade-based ML via electronics re-export) advanced from 0.71 to 0.82 over the trailing 5 days as more accounts surfaced sharing the same HCMC beneficiary network. BNM AMLA guidance treats pattern match > 0.80 as 'reasonable suspicion' triggering EDD obligation under s.16. The 24h reporting clock on the 3 highest-conviction accounts starts the moment we cross that threshold internally — that happened at 14:30 today.", "evidence": ["Pattern match score progression: 0.71 (19-May) → 0.74 → 0.76 → 0.79 → 0.82 (23-May 14:30)", "AML alerts trailing 14d: 18 (baseline 4 over 90d; z-score 5.4)", "Shared HCMC beneficiary network: 3 of 18 alerts on Tan Phu Electronics + Sai Gon Trading Co.", "BNM AMLA s.16: EDD mandatory at 'reasonable suspicion' (internal threshold pattern-match 0.80)", "AMLA s.14: 24h STR clock from suspicion confirmation"], "actions": ["Approve overlay rules v4.1 deployment Wed 02:00 (Pricing/Treasury moves already locked in for Wed)", "Initiate EDD on 3 highest-conviction SME accounts immediately (4 hours before 24h STR clock starts)", "Brief BNM AMLA liaison desk informally about pending overlay deployment and STR filings"], "risk": "If we don't deploy by Wed 02:00, 24h STR clock on the 3 accounts pushes filing to Thu — still within regulation but creates a paper trail of delay that could attract supervisory questions during the Pillar 2 review (8-Jun).", "confidence": 0.85, "signals": ["aml-alerts-14d", "fatf-tm-2024-07", "amla-s14-clock", "amla-s16-edd", "memory:2024-q4-aml-penalty-bank-x"]}], "signal_trend": {"name": "Daily AML alerts — Johor→Vietnam SME corridor", "dates": ["2026-05-17", "2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22", "2026-05-23"], "values": [1, 2, 2, 3, 3, 4, 4], "threshold": 1, "annotation": "Alert volume sustained above 3x baseline for 6 days; pattern match score crossed 0.80 today."}}
{"decision_id": "DEC-banking-2026-05-23-4", "date": "2026-05-23", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["Treasury Agent", "Branch Agent"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "defer", "why": "Tadau Kaamatan 30-May to 1-Jun. Treasury wants to defer the CIT booking by 48h to see if early withdrawal pattern matches the 3.5x multiplier — saves RM 60k in CIT premium fees if pattern softens.", "justifications": [{"agent": "Treasury Agent", "headline": "Defer 48h — early withdrawal pattern still tracking 3.4x, not yet justifying full RM 38M loading", "commentary": "ATM withdrawal volume on trailing 5 days is +2.1x baseline — below the 3.5x historical Tadau multiplier. Two interpretations: (a) the spike will come later in the week as it did in 2024, or (b) it's a softer year due to lower oil palm prices in Sabah (CPO at RM 3,820/MT, -8% YoY) reducing rural disposable income. Treasury proposes 48h defer to Mon, then commit either RM 38M (full load) or RM 28M (90% load) depending on weekend pattern.", "evidence": ["Trailing 5-day Sabah ATM withdrawal multiplier: 2.1x (vs historical 3.5x for the equivalent T-7 day pre-Tadau)", "CPO price: RM 3,820/MT (-8% YoY) — Sabah rural disposable income proxy", "G4S CIT premium: RM 60k saved if booking lands 3-day lead vs 5-day lead", "2024 pattern: spike landed T-4 day (Thu before Tadau Friday) — analogue suggests 27-May trigger", "Cash-refusal risk: bounded at RM 0.8M if we under-load by 25% and need emergency Sat top-up"], "actions": ["Hold CIT booking decision until Mon 10:00 (review weekend withdrawal print)", "Pre-clear G4S Sabah on contingent 3-day-lead booking option (premium RM 60k)", "Brief Branch Manager Kota Kinabalu on contingent over-counter cash plan"], "risk": "15% probability we under-load and trigger cash-refusal events Sat-Sun, costing RM 0.8M in customer trust + RM 50k emergency CIT. Mitigated by KK main branch vault overflow buffer.", "confidence": 0.82, "signals": ["atm-withdrawal-history-sabah", "cpo-price-feed", "g4s-cit-booking-portal", "memory:2024-tadau-pattern", "kk-vault-buffer"]}], "signal_trend": {"name": "Sabah ATM daily withdrawal volume (RM M)", "dates": ["2026-05-17", "2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22", "2026-05-23"], "values": [3.9, 4.2, 4.5, 4.8, 5.1, 5.4, 6.2], "threshold": 5, "annotation": "Volume crossed 5M trigger 22-May but multiplier still below historical Tadau pattern."}}
{"decision_id": "DEC-banking-2026-05-23-5", "date": "2026-05-23", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["Branch Agent", "Network Agent"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "Attrition risk score at 84; CRM social-signal scrape shows OCBC continuing outreach to 4 more SME RMs in Penang. Counter-offer window closing.", "justifications": [{"agent": "Branch Agent", "headline": "OCBC outreach widening — 4 more Penang RMs now on the scrape — 72h window to lock retention", "commentary": "The 3 confirmed resignations on 22-May are the tip; CRM social-signal scrape from 23-May identifies 4 additional Penang SME RMs in active conversation with OCBC recruiters (LinkedIn InMail + 2 lunches logged at OCBC Penang office). Counter-offer policy normally requires HR Committee approval (3-5 working days) — but the 72-hour window before OCBC formalises offers means we need CEO emergency authority. Branch recommends escalating to CEO Mon morning.", "evidence": ["Confirmed resignations: 3 (Tan, Lim, Goh; submitted 22-May)", "CRM social-signal scrape (23-May 11:00): 4 additional Penang SME RMs in active OCBC conversations", "HR Committee normal lead time: 3-5 working days for counter-offer approval > RM 200k", "OCBC Penang SME expansion announced 19-May (Bursa filing) — target 25 RM hires by Q3", "Aggregate portfolio at risk if all 7 leave: RM 540M deposits + RM 820M lending"], "actions": ["Brief CEO + CHRO Mon 08:00 for emergency counter-offer authority (RM 2.8M pool ceiling)", "Schedule individual conversations with the 4 'at-risk' RMs by Tue (Head of SME + Branch Manager)", "Activate top-account warm-handover for the 3 confirmed leavers (relationship director shadow visits)"], "risk": "If counter-offer authority is not in place by Tue, OCBC formalises offers to the 4 at-risk RMs and another 2-3 confirm departures — pushing portfolio-at-risk from RM 240M to RM 540M.", "confidence": 0.82, "signals": ["rm-resignation-letters-2026-05-22", "crm-social-signal-scrape", "ocbc-bursa-filing-2026-05-19", "memory:2024-hsbc-rm-poach", "hr-committee-policy"]}, {"agent": "Network Agent", "headline": "Concentration risk now actionable — Batu Kawan satellite desk business case ready", "commentary": "Network has had Batu Kawan satellite SME desk on the strategy roadmap since Q4-2025 (deferred for capex). The Penang RM event makes this the right moment to fund — splitting the FTZ corridor between Bayan Lepas and Batu Kawan reduces single-branch concentration and gives us 2 additional RM seats to absorb counter-offer flexibility. Network recommends approval of RM 1.4M capex + opex commitment alongside the counter-offer pool.", "evidence": ["Batu Kawan satellite SME desk capex: RM 0.8M (fit-out, IT, signage); opex RM 0.6M Y1", "Tenant pipeline: 12 EMS firms signed leases 2025-2026 at Batu Kawan industrial park", "Time-to-revenue: 4-6 months to RM 50M deposit balance based on Bayan Lepas analogue", "Concentration metric: Penang FTZ single-branch share would drop from 100% to 60-65% within 9 months", "BNM branch authorisation: satellite SME desk does not require FSA s.39 (sub-branch designation)"], "actions": ["Bundle Batu Kawan satellite desk approval with counter-offer pool to CEO Mon 08:00", "Engage MIDA on Batu Kawan industrial park MoU (signed 2024, refresh due Jun-2026)", "Pre-screen 2-3 senior SME RM candidates for Batu Kawan lead role (succession planning value)"], "risk": "If Batu Kawan is approved but RM retention fails, the satellite desk runs under-staffed for 2-3 quarters — opportunity cost ~RM 0.4M vs no-build scenario but franchise concentration is still reduced.", "confidence": 0.79, "signals": ["sme-book-concentration", "batu-kawan-tenant-pipeline", "fsa-sub-branch-designation", "memory:2024-hsbc-rm-poach", "mida-batu-kawan-mou"]}], "signal_trend": {"name": "Penang SME RM attrition risk score (model output 0-100)", "dates": ["2026-05-17", "2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22", "2026-05-23"], "values": [38, 42, 48, 54, 61, 78, 84], "threshold": 70, "annotation": "Score breached 70 trigger on 22-May; OCBC Bursa filing 19-May was the inflection point."}}
{"decision_id": "DEC-banking-2026-05-24-1", "date": "2026-05-24", "priority": "P0", "decision": "Reprice 5-year FD ladder ahead of BNM MPC", "agents_involved": ["Pricing Agent", "Treasury Agent"], "rm_impact": "+RM 12.4M NIM", "recommended_action": "approve", "why": "BNM MPC minutes (T-3) signal +25bps OPR move; competitor FD board rates already ticked up 18-22bps over the trailing 9 days. Window to reprice 5-year ladder closes Wed 09:00 before BNM 11:00 release.", "justifications": [{"agent": "Pricing Agent", "headline": "5Y FD board at 4.05% is 22bps light vs Maybank/CIMB — repricing now captures RM 12.4M NIM over book", "commentary": "Competitor scrape shows Maybank moved 5Y FD from 4.05% to 4.20% on 21-May and CIMB to 4.25% on 23-May. Our retention model puts churn elasticity at -1.8 per 10bps on the 5Y bucket (book RM 8.2bn). Repricing to 4.25% before the BNM MPC release at Wed 11:00 lets us absorb the OPR move into the front book without re-papering the back book, banking the spread for 18 months until the next FRS review.", "evidence": ["Competitor 5Y FD: Maybank 4.20% (21-May), CIMB 4.25% (23-May), Public Bank 4.15% (23-May); our board 4.05%", "Book at risk: RM 8.2bn across 5Y bucket; trailing 14-day net inflow -RM 184M (first sustained outflow since Q3-2025)", "BNM MPC minutes (released 22-May 17:00) — 4 of 7 MPC members flagged 'sticky core CPI' language, OIS implied 88% probability of +25bps", "Retention model v3.2: churn elasticity -1.8 per 10bps on 5Y; -0.6 on 12M tenor", "NIM uplift modelled: +RM 12.4M over 18-month effective duration at 4.25% board"], "actions": ["Reprice 5Y FD board from 4.05% to 4.25% effective Wed 08:00, hold 1Y/3Y tenors flat (avoid cannibalising CASA)", "Notify 47,200 5Y-tenor customers with auto-rollover via SMS Wed 09:30; RM-led calls for top 380 balances > RM 2M", "Pre-clear with ALCO Tue 16:00; file FRS-9 adjustment memo with Group Finance same day"], "risk": "If BNM holds (12% probability per OIS strip), the 20bps front-book premium becomes a RM 6.8M cost-of-funds headwind for two quarters until the Aug MPC. Mitigated by 30-day pull-back clause and the fact that competitor boards do not retract quickly.", "confidence": 0.88, "signals": ["bnm-mpc-minutes-2026-05-22", "competitor-fd-scrape-d14", "memory:2024-08-mpc-reprice", "retention-model-v3.2", "ois-strip-2026-05-24"]}, {"agent": "Treasury Agent", "headline": "Duration mismatch on banking book widens RM 3.6bn under +25bps — repricing reduces EVE sensitivity by 38%", "commentary": "Banking book duration gap currently 1.4 years asset-heavy; EVE sensitivity at +25bps parallel shift is -RM 218M. Lifting 5Y FD board pulls RM 1.9bn of inflow into the 5Y bucket over the next 6 weeks (per FD ladder model), shortening liability duration by 0.21 years and cutting EVE delta to -RM 135M. LCR sits at 138% (headroom RM 4.2bn over 100% floor), so the funding cost is absorbable.", "evidence": ["EVE sensitivity report (22-May): -RM 218M at +25bps parallel; -RM 412M at +50bps", "Duration mismatch: assets 4.8y / liabilities 3.4y — gap 1.4y, exceeds internal 1.2y soft limit", "LCR 138% (RM 4.2bn buffer over BNM 100% floor); NSFR 116%", "FD ladder pull-through model: +20bps board lifts 5Y net inflow RM 1.9bn over 6 weeks (R^2 0.83 vs 2023-2025 backtest)", "Basel III IRRBB SOT: 14.2% of T1 (limit 15%) — narrow headroom"], "actions": ["Coordinate with Pricing Agent on Wed 08:00 board change; pre-fund RM 800M overnight at KLIBOR + 6 to bridge T+2 settlement", "Refresh EVE/NII sensitivity post-reprice Thu morning; circulate to ALCO Fri 14:00", "Hold MGS portfolio rebalancing until post-MPC to avoid double duration adjustment"], "risk": "If 5Y inflows undershoot (>20% miss probability if competitors match within 48h), duration shortening stalls and IRRBB SOT breaches the 15% T1 limit — triggering a BNM disclosure under IRRBB CP 2023.", "confidence": 0.84, "signals": ["irrbb-eve-2026-05-22", "ftp-curve-d7", "lcr-daily-2026-05-23", "memory:2025-q1-irrbb-breach", "basel-irrbb-sot-monitor"]}], "signal_trend": {"name": "Competitor 5Y FD board spread vs ours (bps)", "dates": ["2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22", "2026-05-23", "2026-05-24"], "values": [4, 6, 9, 15, 17, 20, 22], "threshold": 15, "annotation": "Spread breached 15bps trigger on 21-May; widened to 22bps after CIMB move on 23-May."}}
{"decision_id": "DEC-banking-2026-05-24-2", "date": "2026-05-24", "priority": "P0", "decision": "Consolidate 4 Klang Valley branches into 1 flagship", "agents_involved": ["Network Agent", "Branch Agent"], "rm_impact": "+RM 14.6M annualised", "recommended_action": "approve", "why": "4 Klang Valley branches (Bangsar, Damansara Uptown, Mont Kiara, TTDI) average 28% utilisation over trailing 90 days vs network median 71%. Flagship at 1 Utama models +RM 14.6M annualised after one-off RM 8.2M closure cost.", "justifications": [{"agent": "Network Agent", "headline": "4 branches at 28% utilisation — flagship model recovers RM 8.2M closure cost in 7.2 months", "commentary": "Bangsar, Damansara Uptown, Mont Kiara, TTDI sit within a 4.8km cluster and serve a heavily overlapping customer base (62% of customers transact at 2+ of these branches monthly). Trailing 90-day teller throughput averages 47 transactions/day vs network median 168. The proposed 1 Utama flagship (2,400 sqft, premium wealth + SME segment focus) absorbs 84% of footfall with a 9-minute median drive-time impact for affected customers.", "evidence": ["Trailing 90-day teller throughput: Bangsar 52/day, Damansara Uptown 41/day, Mont Kiara 38/day, TTDI 56/day — vs network median 168/day", "Customer overlap: 62% transact at 2+ of the 4 branches monthly (CRM analytics, May-2026)", "Drive-time impact to 1 Utama flagship: median 9 min, 90th percentile 17 min (Google Maps + traffic profile)", "Closure costs: lease break-up RM 4.8M, severance/redeployment RM 2.1M, fit-out flagship RM 1.3M = RM 8.2M one-off", "Annualised savings: rent RM 9.4M + opex RM 5.2M = RM 14.6M; payback 7.2 months"], "actions": ["Submit BNM branch closure notification under FSA s.39(1) for 4 sites — 90-day notice begins 26-May", "Engage MIDA on Bumiputera workforce redeployment commitment (12 of 38 affected staff)", "Lock 1 Utama flagship lease (signed term sheet, RM 188k/month, 5+5 years) by Wed"], "risk": "12% probability of MP/state assembly intervention given 2 of the 4 branches sit in marginal DAP seats; could delay closure by 3-6 months. Mitigated by Bumiputera redeployment commitment and 90-day customer transition plan.", "confidence": 0.86, "signals": ["branch-utilisation-90d", "crm-customer-overlap-2026-05", "fsa-s39-branch-closure", "memory:2024-jb-consolidation", "mida-bumiputera-policy"]}, {"agent": "Branch Agent", "headline": "38 staff impact — 24 redeployable to flagship + 9 to Sunway/Subang, 5 voluntary separation", "commentary": "Across the 4 branches: 38 staff (4 BMs, 6 SMEs, 12 RMs, 16 tellers/CSOs). Flagship model needs 24 (1 BM, 4 SME, 8 RM, 11 teller/CSO). 9 absorbable into Sunway Pyramid and Subang Jaya branches (both at 84-91% utilisation, currently flagged for hiring). 5 likely voluntary separation under VSS at ~6 months' pay. Union (NUBE) pre-engagement done 21-May; tone constructive subject to redeployment guarantee.", "evidence": ["Headcount affected: 38 (4 BM, 6 SME RM, 12 retail RM, 16 teller/CSO)", "Flagship roles: 24 (1 BM, 4 SME, 8 RM, 11 teller/CSO)", "Sunway Pyramid utilisation 91% (open req: 4 teller, 1 SME); Subang Jaya 84% (open req: 3 RM, 1 teller)", "NUBE pre-engagement meeting 21-May minutes: constructive subject to redeployment guarantee for non-VSS staff", "VSS cost estimate: 5 staff × 6 months avg pay = RM 1.4M (within RM 2.1M severance budget)"], "actions": ["Issue individual redeployment letters to 24+9 staff by 28-May; VSS offer to remaining 5 by 30-May", "Coordinate with HR on T+30 transition training (premium-segment skill uplift for flagship RMs)", "Schedule NUBE formal consultation 27-May 10:00 ahead of FSA s.39 filing"], "risk": "If NUBE shifts position post-consultation (15% probability based on 2024 JB precedent), VSS terms may need to lift 0.5-1.5 months' pay equivalent — adds RM 0.2-0.6M to closure cost but does not change payback materially.", "confidence": 0.83, "signals": ["hr-roster-2026-05", "nube-consultation-minutes-2026-05-21", "branch-utilisation-90d", "memory:2024-jb-consolidation-vss", "vss-cost-model"]}], "signal_trend": {"name": "4-branch cluster utilisation (% vs network median)", "dates": ["2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22", "2026-05-23", "2026-05-24"], "values": [31, 29, 30, 28, 27, 28, 28], "threshold": 50, "annotation": "Cluster utilisation sustained below 30% for 7 consecutive days — 50% network trigger threshold breached since Feb."}}
{"decision_id": "DEC-banking-2026-05-24-3", "date": "2026-05-24", "priority": "P0", "decision": "Add overlay rules to AML model on cross-border SME flows", "agents_involved": ["Risk Agent"], "rm_impact": "+RM 9.1M avoided penalty", "recommended_action": "approve", "why": "23 AML alerts in trailing 14 days on Johor→Vietnam SME corridor (vs 4-alert 90-day baseline); pattern matches FATF typology TM-2024-07 (trade-based ML via electronics resale).", "justifications": [{"agent": "Risk Agent", "headline": "23 alerts vs baseline 4 — Johor→Vietnam electronics corridor matches FATF TM-2024-07 typology", "commentary": "AML model fired 23 alerts in trailing 14 days on SME accounts in the Johor→Vietnam electronics resale corridor, up from a 90-day baseline of 4. Common pattern: structuring just below the RM 50k CTR threshold, 24-72h cycle from receipt to onward wire, beneficiary network overlap (4 of 23 accounts share 2 beneficiaries in Ho Chi Minh City). Matches FATF typology TM-2024-07 (trade-based ML via re-exported consumer electronics). Recommend overlay rules to lift alert sensitivity on this corridor and trigger enhanced due diligence (EDD) on 47 SME accounts.", "evidence": ["AML alerts trailing 14d: 23 (baseline 4 over 90d; +475% deviation, z-score 6.8)", "Structuring pattern: 78% of flows in RM 42-49k band, RM 50k CTR threshold avoided", "Beneficiary overlap: 4 of 23 alerts share 2 HCMC beneficiaries (Tan Phu Electronics, Sai Gon Trading Co.)", "FATF typology TM-2024-07 (Feb-2024): trade-based ML via consumer electronics re-export — pattern match score 0.84", "BNM AMLA s.14 reporting clock: 24h from suspicion confirmed; CTR threshold RM 50k under AMLA/CFT 2001"], "actions": ["Deploy overlay rules v4.1 to AML model Wed 02:00 (lifts sensitivity on Johor→Vietnam SME corridor; 18% expected alert volume increase)", "Issue EDD instructions to relationship managers for 47 SME accounts by Wed 17:00 (KYC refresh + source-of-funds verification)", "File defensive STR with BNM FIED for the 4 highest-conviction accounts by 24h clock (Thu 17:00)"], "risk": "Overlay rules will produce ~18% more alerts network-wide for 30 days post-deploy, straining FCC ops capacity (currently at 84% load). 6% probability of false-positive surge requiring rule tuning within 7 days, but BNM AMLA penalty exposure (avoided RM 9.1M based on prior comparable case) dominates the cost-benefit.", "confidence": 0.89, "signals": ["aml-alerts-14d", "fatf-tm-2024-07", "amla-s14-clock", "memory:2024-q4-aml-penalty-bank-x", "fcc-ops-capacity"]}], "signal_trend": {"name": "Daily AML alerts — Johor→Vietnam SME corridor", "dates": ["2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22", "2026-05-23", "2026-05-24"], "values": [2, 2, 3, 3, 4, 4, 5], "threshold": 1, "annotation": "Daily alerts running 3-5x baseline (~1/day) for 7 consecutive days."}}
{"decision_id": "DEC-banking-2026-05-24-4", "date": "2026-05-24", "priority": "P2", "decision": "Pre-fund Sabah branch ATMs ahead of long weekend", "agents_involved": ["Treasury Agent", "Branch Agent"], "rm_impact": "+RM 1.8M avoided refusal", "recommended_action": "approve", "why": "Tadau Kaamatan long weekend (30-May to 1-Jun) historically drives 3.4x ATM withdrawal volume in Sabah branches. Cash-in-transit (CIT) booking deadline closes Tue.", "justifications": [{"agent": "Treasury Agent", "headline": "Sabah ATM network needs RM 38M top-up by Thu — CIT booking deadline Tue 17:00", "commentary": "Tadau Kaamatan (Sabah harvest festival) drives sustained ATM withdrawal spike: 2022 +3.2x, 2023 +3.4x, 2024 +3.6x, 2025 +3.5x vs baseline. 28 Sabah branch ATMs need RM 38M aggregate top-up to avoid cash-out events over the 3-day weekend. CIT vendor (G4S Sabah) requires booking 5 working days ahead — Tue 17:00 deadline. Single-agent decision; Branch coordinated on routing only.", "evidence": ["Historic Tadau weekend ATM withdrawal multiplier: 3.2x (2022), 3.4x (2023), 3.6x (2024), 3.5x (2025)", "28 Sabah ATMs across 12 branches (Kota Kinabalu, Tawau, Sandakan, Lahad Datu, Keningau, Kudat)", "Aggregate top-up requirement: RM 38M (baseline RM 11M loading covers normal week)", "G4S Sabah CIT booking deadline: 5 working days ahead → Tue 17:00 for Thu loading", "Avoided cash-refusal incidents (historical comp): 2024 had 47 refusal events worth RM 1.8M in customer trust + media risk"], "actions": ["Book G4S CIT for RM 38M loading across 28 ATMs Thu 06:00-14:00 by Tue 17:00", "Pre-stage RM 5M overflow at Kota Kinabalu main branch vault for Sat top-up if needed", "Confirm BNM cash centre Kota Kinabalu has buffer (last drawdown 19-May, RM 22M)"], "risk": "8% probability of CIT vehicle availability constraint over Tadau (G4S also serves competitor banks); mitigated by 5-day lead booking. Cash-refusal cost (RM 1.8M historical) plus PIDM customer-trust survey signalling dominates the upside.", "confidence": 0.91, "signals": ["atm-withdrawal-history-sabah", "g4s-cit-booking-portal", "memory:tadau-2025-loading", "pidm-customer-trust-survey", "bnm-cash-centre-kk"]}], "signal_trend": {"name": "Sabah ATM daily withdrawal volume (RM M)", "dates": ["2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22", "2026-05-23", "2026-05-24"], "values": [4.2, 4.5, 4.8, 5.1, 5.4, 6.2, 7.1], "threshold": 5, "annotation": "Withdrawal volume ramping into Tadau Kaamatan window; trigger threshold crossed 22-May."}}
{"decision_id": "DEC-banking-2026-05-24-5", "date": "2026-05-24", "priority": "Esc", "decision": "Escalate 3 SME RMs leaving for competitor", "agents_involved": ["Branch Agent", "Network Agent"], "rm_impact": "-RM 6.2M if unresolved", "recommended_action": "escalate", "why": "3 senior SME RMs in Penang (Bayan Lepas hub) submitted resignation letters Fri 22-May for OCBC SME segment expansion. Combined portfolio RM 240M across 47 manufacturing SMEs in the FTZ corridor.", "justifications": [{"agent": "Branch Agent", "headline": "47 SME accounts at risk — 3 RMs trained the relationships personally, no warm handover in flight", "commentary": "The 3 RMs (RM Tan, RM Lim, RM Goh; combined 22 years at the bank, 14 of those in Penang FTZ) carry portfolios worth RM 240M across 47 manufacturing SMEs in the Bayan Lepas free trade zone — concentrated in semiconductor, EMS, and medical device assemblers. Customer-loyalty data shows 68% of these accounts have single-RM-only relationship history (no shadow coverage). OCBC's offer letter (leaked via CRM social signal) includes 1.6x base salary + portfolio-portability bonus. Realistic portfolio defection scenario is 28-35% over 90 days = RM 6.2M revenue at risk.", "evidence": ["3 RMs resigned 22-May with 30-day notice (last day 22-Jun)", "Combined portfolio: RM 240M deposits + RM 380M lending across 47 SME accounts", "Single-RM-only relationship: 68% of accounts (32 of 47) — no shadow RM coverage in CRM", "OCBC offer terms (CRM social-signal scrape): 1.6x base + portfolio-portability bonus + Penang regional title", "Historic comparable: 2024 HSBC poach of 2 RMs led to 34% portfolio defection in 90 days (RM 84M lost)"], "actions": ["Convene CEO + Head of SME + CHRO Tue 14:00 for counter-offer authority and customer retention budget", "Activate 'top-account swarm' protocol: assign senior SME head + relationship director to top 8 SME accounts within 48h", "Approve retention bonus pool of RM 1.8M (75% of comparable HSBC retention case) pending CEO sign-off"], "risk": "60% probability we lose 25-35% of portfolio over 90 days if counter-offer is not extended in 72h. Higher-order risk: 2-3 additional Penang SME RMs may follow if the bank is seen as not defending the franchise — would extend loss to RM 12-15M.", "confidence": 0.84, "signals": ["rm-resignation-letters-2026-05-22", "crm-relationship-coverage", "memory:2024-hsbc-rm-poach", "ocbc-offer-scrape", "rm-retention-model-v2"]}, {"agent": "Network Agent", "headline": "Penang FTZ SME franchise concentration risk — single-corridor exposure now visible", "commentary": "This event surfaces a structural network design issue: 47 of our top FTZ SME accounts are managed by 3 RMs in one branch (Bayan Lepas). Network strategy view: the franchise should have been carved into 5-6 RM portfolios with overlapping coverage, not 3. Beyond the immediate retention play, Network recommends a 90-day plan to restructure Penang SME coverage into shadow-RM pairs (every top-50 account gets a primary + shadow RM) and to open a satellite SME desk at Batu Kawan to relieve Bayan Lepas concentration.", "evidence": ["Penang FTZ SME book RM 620M total — 47 accounts (RM 240M) under 3 RMs = 39% concentration", "Network-wide SME RM book-size average: RM 38M (these 3 carry RM 80M each = 2.1x average)", "Batu Kawan industrial expansion: 12 new EMS tenants signed leases 2025-2026, RM 4-8M deposit potential each", "Shadow-RM coverage standard (Group SME Strategy 2024): primary + shadow for accounts > RM 5M; currently only 32% compliant in Penang", "Lease cost Batu Kawan satellite SME desk: RM 38k/month (3 RMs + 2 support)"], "actions": ["Commission 90-day Penang SME franchise restructure plan (deliverable by 14-Jun)", "Approve in-principle Batu Kawan satellite SME desk (operational target 1-Aug)", "Re-survey shadow-RM coverage across all Penang SME accounts > RM 5M by 7-Jun"], "risk": "Even if we retain the 3 RMs, the concentration risk remains until shadow-RM coverage is implemented. 25% probability of a second poach attempt within 6 months by Maybank Islamic SME or RHB if franchise restructure is not visible to the market.", "confidence": 0.81, "signals": ["sme-book-concentration", "group-sme-strategy-2024", "memory:2024-hsbc-rm-poach", "batu-kawan-tenant-pipeline", "competitor-sme-expansion-plans"]}], "signal_trend": {"name": "Penang SME RM attrition risk score (model output 0-100)", "dates": ["2026-05-18", "2026-05-19", "2026-05-20", "2026-05-21", "2026-05-22", "2026-05-23", "2026-05-24"], "values": [42, 48, 54, 61, 78, 84, 88], "threshold": 70, "annotation": "Resignation event 22-May pushed score above 70 trigger; second-order risk to remaining RMs now elevated."}}